Kā darbojas Parāda vadības programmas darba?


Jums noguldīt naudu katru mēnesi ar kredītu konsultāciju organizācijas. Organizācija izmanto savus noguldījumus, lai samaksāt savu nenodrošināto parādu, piemēram, kredītkaršu rēķini, studējošo kredītiem, un medicīnas rēķinus, saskaņā ar maksājumu grafiku konsultants attīstās kopā ar jums un jūsu kreditoriem. Jūsu kreditori var vienoties, lai samazinātu savu procentu likmes, un atteikties no atsevišķas maksas, but check with all your creditors to be sure that they offer the concessions that a credit counseling organization describes to you.

Veiksmīga Parāda vadības plāns (DMP) prasa jums veikt regulāru, savlaicīgi maksājumi, un varētu veikt 48 mēnešus vai ilgāk, lai pabeigtu. Lūgt kredītu konsultants, lai novērtētu, cik ilgi tā veiks, lai jūs varētu pabeigt plānu. You also may have to agree not to apply for — or use — any additional credit while you’re participating in the plan.

Ir DMP tieši Jums?

Papildus jau uzskaitītajiem jautājumiem, here are some other important ones to ask if you’re considering enrolling in a DMP.

Is a DMP the only option you can give me? Will you provide me with on-going budgeting advice, regardless of whether I enroll in a DMP? If an organization offers only DMPs, find another credit counseling organization that also will help you create a budget and teach you money management skills.

How does your DMP work? How will you make sure that all my creditors will be paid by the applicable due dates and in the correct billing cycle? If a DMP is appropriate, sign up for one that allows all your creditors to be paid before your payment due dates and within the correct billing cycle.

How is the amount of my payment determined? What if the amount is more than I can afford? Don’t sign up for a DMP if you can’t afford the monthly payment.

How often can I get status reports on my accounts? Can I get access to my accounts online or by phone? Make sure that the organization you sign up with is willing to provide regular, detailed statements about your account.

Can you get my creditors to lower or eliminate interest and finance charges, vai atteikties no kavējuma maksas? Ja jā, sazinieties ar jūsu kreditoriem, lai pārbaudītu, un uzdot viņiem, cik ilgi jums ir jābūt par plānu, pirms ieguvumi kick.

Kādi parādi netiek iekļauti DMP? This is important because you’ll have to pay those bills on your own.

Do I have to make any payments to my creditors before they will accept the proposed payment plan? Daži kreditori pieprasa maksājumu uz kredīta padomdevējs, pirms tā pieņem tevi DMP. If a credit counselor tells you this is so, piezvanīt saviem kreditoriem, lai pārbaudītu šo informāciju, pirms sūtīt naudu uz kredītu konsultāciju aģentūra.

How will enrolling in a DMP affect my credit? Beware of any organization that tells you it can remove accurate negative information from your credit report. Legally, it can’t be done. Accurate negative information may stay on your credit report for up to seven years.

Can you get my creditors to “re-age” my accounts — that is, to make my accounts current? If so, cik maksājumi būs man darīt pirms manas kreditoriem darīs? Pat ja jūsu konti ir "re-aged,” negative information from past delinquencies or late payments will remain on your credit report.

How to Make a DMP Work for You

The following steps will help you benefit from a DMP, and avoid falling further into debt.

Turpina maksāt rēķinus, kamēr plāns ir apstiprināts ar jūsu kreditoriem. If you stop making payments before your creditors have accepted you into a plan, you’ll face late fees, penalties, and negative entries on your credit report.

Contact your creditors and confirm that they have accepted the proposed plan before you send any payments to the credit counseling organization for your DMP.

Make sure the organization’s payment schedule allows your debts to be paid before they are due each month. Jāmaksā par laiku, kas palīdzēs jums izvairīties no kavējuma maksas un sodiem. Zvanīt katru no jūsu kreditoriem katra mēneša pirmajā, lai pārliecinātos, ka aģentūra ir samaksājis tos savlaicīgi.

Pārskatīt ikmēneša pārskatus no jūsu kreditoriem, lai pārliecinātos, ka viņi ir saņēmuši savus maksājumus.

If your debt management plan depends on your creditors agreeing to lower or eliminate interest and finance charges, vai atteikties no kavējuma maksas, make sure these concessions are reflected on your statements.